... Boomers Beware! ...ONTARIO Calif. March 4 /- Seniors have done their share...Last week's Wall Street Journal cover story detailed how the State of... 75 million Americans over 50 are aggressively being targeted forlon...

ONTARIO, Calif., March 4 /PRNewswire/ -- Seniors have done their share.
Millions stepped up and bought long-term care insurance policies.
Unfortunately, big insurance and state government have failed to stop
runaway premium increases. Those who bought and paid for rich coverage have
been forced to lapse their policies. Now, long-term care insurance has your
states' seal of approval and endorsement.

Last week's Wall Street Journal cover story detailed how the State of
California sent millions of "pitch letters, urging low and middle-income
residents to buy long-term care insurance to cover future nursing home
bills." States Draw Fire for Pitching Citizens On Private Long-Term Care
Insurance, see wsj.com.

"75 million Americans over 50, are aggressively being targeted for
long-term care," says Frank N. Darras, the nation's leading disability and
long-term care insurance lawyer. "Why hasn't State government stopped
runaway premium rate increases? Seniors need to keep their coverage."

Some insurance companies, greedy for market share, oversold and under
priced long-term care. Why? Long-term care generates 10 million dollar a
year in premiums. Policies were poorly underwritten, had generous contract
language and paid big commissions. These same carriers are now succeeding
with repeated rate increases. See http://www.darrasnews.com.

The Journal went on to say, "Behind the plug: California, like many
other states, is trying to curb the high costs of long-term care paid under
Medicaid. Last year, Medicaid expenditures for nursing-facility and other
long-term care bills hit $100 billion. Along with California, 14 other
states are now endorsing long-term care policies under marketing
partnerships with the insurance industry. More than a dozen others are
getting started."

increases. How are seniors going to fund 100-300% price increases when

they depend on social security checks to eat?

-- Second, seniors need reassurance their state will ensure their

righteous claims get paid timely. What good is a policy if the claim

process is difficult and confusing?

-- Insurance companies know sick people don't fight hard.

-- Old people don't last long.

"Drilling seniors into the claim mud pays rich dividends," says Darras.
"Seniors frustrated with the process give up and eventually lapse their
coverage."

Big insurance wants seniors to lapse their coverage? Why? Many carriers
are losing their financial shirts. Investment income is down. Poor
underwriting has saddled carriers with a mountain of claims.

Darras says that Seniors are in a confidence crisis and need their
state government to protect them. Offering "state approved insurance
policies" that tout enhanced consumer protection is terrific.

State government has a poor track record of helping seniors keep their
policies or get paid. Every state needs to stop long-term care rate
increases. Get your seniors' claims paid and then ask them to buy.

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